Philadelphia Contributionship
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Carrier focus: regional personal-lines property carrier writing primarily homeowners and related property in PA, NJ, DE, MD, and VA, distributed exclusively through appointed independent agents. Lines include HO (owner‑occupied), condo and renters, landlord/DP, and supporting umbrella and flood; appetite is standard/preferred personal property risks in their footprint. ([1752.com](https://1752.com/for-agents?utm_source=openai)) Preferred business - Primary or secondary one‑ to four‑family dwellings with good condition, modernized utilities, and no significant prior losses, within PA/NJ/DE/MD/VA. - Owner‑occupied homes written on HO‑3 or similar forms; also HO‑6 for condos and HO‑4 for tenants, as noted in regulatory filings. ([nj.gov](https://www.nj.gov/dobi/division_consumers/insurance/mcexams/adoptrptphilacont.pdf?utm_source=openai)) - Clean loss history, no recent cancellations for non‑pay or underwriting reasons, and acceptable protective devices (smoke detectors, central station alarms where required). - Homes with continuous insurance, no major unaddressed hazards, and in territories acceptable under the company’s coastal and CAT‑risk management approach. Restricted / closely underwritten - Properties with potential exterior risk drivers such as pools, trampolines, and roof‑mounted equipment are flagged via integrated geospatial/AI tools in the agent/underwriting portal; these items typically trigger additional underwriting review, requirements (e.g., fences, locked gates, safety measures), or surcharges rather than automatic decline. ([capeanalytics.com](https://capeanalytics.com/resources/the-philadelphia-contributionship-implements-cape-analytics-geospatial-property-intelligence-augmenting-underwriting-decisions-with-ai/?utm_source=openai)) - Older homes or those with partial updates (roof, wiring, plumbing, heating) may be accepted subject to proof of updates, inspections, photos, and/or specific conditions (coverage limitations, higher deductibles, or mandatory endorsements). - Landlord/tenant‑occupied and small‑rental schedules are eligible but subject to property condition and tenant type; underwriting places emphasis on maintenance, lack of vacancy, and adequate liability limits. - Certain higher‑exposure structures (very large square footage, high TIV, non‑standard construction, or mixed use) may require referral to an underwriter instead of straight‑through portal binding. Likely declined / unacceptable - Properties outside PA, NJ, DE, MD, or VA (carrier is clearly positioned as a mid‑Atlantic regional writer). ([1752.com](https://1752.com/for-agents?utm_source=openai)) - Dwellings with serious unrepaired damage, chronic maintenance issues, or multiple recent losses, especially fire, liability, or water‑related. - Properties used primarily for commercial, short‑term rental, rooming houses, or other non‑standard occupancies when inconsistent with filed homeowner/landlord programs. - Risks failing to meet company underwriting rules discovered via CAPE/AI imagery (e.g., unfenced pools, severe roof condition issues) if the insured/agent cannot remedy or provide acceptable documentation. ([capeanalytics.com](https://capeanalytics.com/resources/the-philadelphia-contributionship-implements-cape-analytics-geospatial-property-intelligence-augmenting-underwriting-decisions-with-ai/?utm_source=openai)) Geographic notes - Actively writes in Pennsylvania, New Jersey, Delaware, Maryland and Virginia; other states are out of appetite. ([1752.com](https://1752.com/for-agents?utm_source=openai)) - Coastal/wind or other CAT‑prone territories are managed through underwriting rules and reinsurance programs (not fully detailed publicly); expect more restrictive guidelines, required higher deductibles, and possible declinations for very exposed coastal properties. Submission & documentation expectations - Business is submitted and serviced through the agent portal (The Key) and the underwriting team. Supporting documents (proof of repairs, occupancy, photos, etc.) should be uploaded directly in the policy file in The Key and tagged to the appropriate underwriting team for review. ([1752.com](https://1752.com/agent-resource-center/?utm_source=openai)) - Underwriting questions and documentation can be sent via the Underwriting Documentation/Contact Form on the official Underwriting Documentation page. ([1752.com](https://1752.com/underwriting-documentation/)) - Broker of record changes must be submitted to the underwriting team or via the Underwriting Contact Form prior to the effective date; carrier suggests submitting 30–45 days in advance of renewal for smooth processing. ([1752.com](https://1752.com/agent-resource-center/?utm_source=openai)) - Producer/agency appointment requires completion of the Producer Appointment form and submission of licenses through the assigned Territory Manager before system access is granted. ([1752.com](https://1752.com/agent-resource-center/?utm_source=openai)) Broker/producer notes - Distribution is limited to appointed independent agents; prospective agents must use the Become an Agent process to request an appointment. ([1752.com](https://1752.com/for-agents?utm_source=openai)) - Agents are expected to route underwriting questions and documentation via the portal or Underwriting Documentation page rather than email when possible, and to maintain current, accurate risk information (renovations, upgrades, and occupancy) to support proper rating. - The carrier emphasizes strong relationships with agents and provides an Agent Resource Center plus a Claims Concierge program for designated agencies; expect a service‑oriented approach but adherence to filed underwriting and rating rules. ([1752.com](https://1752.com/agent-resource-center/?utm_source=openai)) Note: The public site does not publish a detailed PDF appetite guide; operational guidance above reflects what is inferable from the carrier’s official agent resources, regulatory filings, and technology/underwriting descriptions and should be supplemented with the latest internal manuals available in The Key.